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Financial Calculators

Twelve free, instant calculators for everyday money decisions in India. Nothing is stored — everything updates as you type.

Loan EMI

Home Loan

SIP

PPF

NPS

GST

Income Tax

HRA

Gratuity

Loan Eligibility

Loan amount

Interest rate (p.a.)

Tenure (years)

Monthly EMI

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PrincipalInterest

Principal—

Total interest—

Total payable—

Home loan amount

Interest rate (p.a.)

Tenure (years)

Monthly EMI

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PrincipalInterest

Principal—

Total interest—

Total payable—

Monthly investment

Expected return (p.a.)

Time period (years)

Maturity value

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InvestedReturns

Total invested—

Estimated returns—

Deposit amount

Interest rate (p.a.)

Tenure (years)

Maturity value

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InvestedInterest

Invested—

Interest earned—

Monthly deposit

Interest rate (p.a.)

Tenure (years)

Maturity value

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InvestedInterest

Invested—

Interest earned—

Yearly investment

Interest rate (p.a.)

Time period (years)

Maturity value

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InvestedInterest

Total invested—

Interest earned—

PPF has a 15-year lock-in and a ₹1.5 lakh yearly limit. The interest rate is set by the government each quarter (currently around 7.1%); update the rate above if it changes.

Monthly contribution

Expected return (p.a.)

Years until 60

Pension corpus at 60

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InvestedReturns

Total invested—

Estimated returns—

At 60, NPS rules require at least 40% of the corpus to be used to buy an annuity (pension); up to 60% can be withdrawn as a lump sum. This shows the total corpus only.

Amount (₹)

GST rate

Amount already includes GST (remove it)

GST amount

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Net (before GST)—

Gross (with GST)—

Annual income (₹)

I'm salaried (apply ₹75,000 standard deduction)

Income tax (new regime)

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Taxable income—

Tax + 4% cess—

Effective rate—

New-regime slabs for FY 2026-27: ₹0–4L nil, 4–8L 5%, 8–12L 10%, 12–16L 15%, 16–20L 20%, 20–24L 25%, above 24L 30%. Includes the ₹75,000 standard deduction, Section 87A rebate up to ₹12L, marginal relief and 4% cess. Surcharge above ₹50L and other deductions aren't included. Estimate only — not tax advice.

Basic salary + DA, yearly (₹)

HRA received, yearly (₹)

Rent paid, yearly (₹)

City type

HRA exemption

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Taxable HRA—

Exempt HRA is the lowest of: actual HRA received; rent paid minus 10% of basic; or 50% of basic (metro) / 40% (non-metro). Applies to the old tax regime. Estimate only.

Last drawn monthly salary, basic + DA (₹)

Years of service

Gratuity amount

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Formulasalary × 15 × yrs ÷ 26

For employees covered by the Payment of Gratuity Act (15 days' pay for each completed year, 26 working days). The tax-free gratuity limit is ₹20 lakh. Estimate only.

Net monthly income (₹)

Existing monthly EMIs (₹)

Interest rate (p.a.)

Tenure (years)

Eligible loan amount

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Max affordable EMI—

Estimated using a 50% FOIR (lenders typically allow EMIs up to ~50% of income, minus existing EMIs). Actual eligibility depends on the lender, your credit score and income proof. Estimate only.